Finance question
Can I finance a grader or dozer?
Yes. Motor graders and bulldozers are core civil plant and finance readily against the machine itself. Equipment finance covers up to $500,000 per asset, which suits most used units, and a larger new dozer or grader can bridge to property-backed finance. Subject to lender assessment.
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The short answer
Core civil plant, financed on the machine
Graders and dozers are backbone earthmoving machines, and lenders treat them accordingly. A motor grader levelling roads or a bulldozer pushing bulk earth holds long working life and steady resale demand across civil, mining and council work. That resale strength is why the finance is secured by the machine, and why these deals often run low-doc or no-doc.
Most used graders and dozers sit comfortably inside the $500,000 equipment finance limit. A late-model or high-spec unit, a large dozer with a ripper or a grader loaded with GPS machine control, can run higher, and where it does the balance can move to a property-backed facility up to the $5 to 6 million range or split across two lines.
Hours, undercarriage and blade or ripper condition drive the valuation. A dozer's undercarriage is a major wear item and a grader's mouldboard and circle take a hammering, so lenders factor service history and component condition alongside age and brand. A well kept machine from a known make gives the strongest offer, and tired units are still fundable with the right lender.
Do you qualify?
What lenders weigh on a grader or dozer.
A specific machine
The grader or dozer make, model, year and hours.
Component condition
Undercarriage, blade or mouldboard and service records.
An active ABN
Civil, mining and council contractors qualify.
A deposit can help
Not always needed, but useful on higher-spec units.
Why graders and dozers finance well
Long working life
Durable core plant holds resale value, strong security for lenders.
Broad demand
Civil, mining and council buyers keep the secondhand market deep.
Fast to settle
Clear machine details support 24 to 48 hour approvals.
A real example
A civil operator buys a used 14 foot motor grader with GPS machine control for around $180k to win council road work. The grader secures the finance, the hours and mouldboard condition check out, and the deal settles low-doc on a term matched to its long working life. Illustrative only.
Common questions
Frequently asked questions
Can I finance a used grader or dozer?
Yes. Used civil plant is core lending territory. Condition, hours and undercarriage or blade wear affect the offer, but older machines are still fundable.
What if the machine costs more than $500,000?
Equipment finance covers up to $500,000 per asset. A higher ticket can bridge to property-backed finance up to $5 to 6 million or split across facilities.
Does GPS or machine control get financed too?
Often yes. Fitted machine control and attachments bought with the unit can usually be included in the one facility.
Do I need financials?
Many grader and dozer deals settle low-doc or no-doc because the machine secures the loan, subject to lender assessment.